Open a Checking Account Online
Virtual Wallet combines innovative digital tools with your checking account.
Learn More and Apply Online
Checking at PNC is Virtual Wallet.
Now Including Low Cash Mode®[1]
In today's world, you need more than just a checking account. Virtual Wallet starts with Spend, which is a checking account, and digital tools to help you manage your money and stay on track. To best meet your needs, we have three levels of Spend to choose from.
Whether you select a Virtual Wallet with Spend only or add Reserve and Growth for planning, saving and protection, Virtual Wallet works as a powerful solution for today's banking needs.
Earn up to $400when you open and use a select new Virtual Wallet✝ product
Virtual Wallet Student. For life on campus.
Best Overall
Banks for Students
- No monthly service charge for the first 6 years
- Reimbursement of the fee for the first two domestic or international non-PNC Bank ATM transactions made on your Spend, Reserve or Growth accounts per statement period
- $5.00 reimbursement of other banks’ ATM surcharge fee per statement period
- One automatic courtesy refund of any Overdraft Item associated with the first overdraft event.
- As a PNC customer, you can access your money fee-free at approximately 60,000 ATMs across the country, as listed on pnc.com/locator
- Digital tools to plan and track your spending and automate your savings
- Students AND parents can enroll to receive account alerts when balances are low
Foundation Checking for strengthening your budgeting and financial needs.*
- No Overdraft fees
- Free Cashier’s checks
- Digital tools to track your account activity
*Visit a PNC branch to apply for Foundation Checking
Benefits & Features
Branch and ATM Access
Take advantage of more than 2,600 locations and approximately 60,000 PNC and Partner ATMs Coast to Coast.
Low Cash Mode with Virtual Wallet
Manage your Spend account when your balance is low. With Low Cash Mode, you can use Intelligent Alerts, Extra Time and Payment Control to help you avoid overdraft fees.[1]
PNC Debit Cards
Use your PNC Bank Visa® Debit Card to tap into convenience by uploading to a mobile wallet of your choice, stay informed by setting up alerts to track and monitor purchases, and reward yourself with PNC Purchase Payback®.
Frequently Asked Questions
Where do I find fees or monthly service charge information for my checking account?
Review Features & Fees associated with your checking product »
To confirm which Virtual Wallet or other checking product type you have, sign on to PNC Online Banking and view the My Accounts Summary screen.
How do I set up Direct Deposit?
Direct Deposit allows your paycheck, dividend payment, pension or Social Security check to be automatically deposited into your PNC checking account so that your funds are available for withdrawal (your use) on that same day.
To set it up, first find your Account and Routing numbers under Account Activity in PNC Online Banking or under Account Actions in the PNC Mobile app[2]. You can also find your Account and Routing numbers on your checks.
You may also be able to complete our PNC Direct Deposit enrollment form and submit it to your employer or other non-government agency along with a voided check from your PNC account.
How do I order checks?
It's easy to order checks with Online Banking:
- Sign in to Online Banking.
- Click on the Customer Service Tab.
- In the Manage Accounts section, click on Order Checks & Supplies.
- Click on the Checks/Supplies link under the Order column next to the account for which you want to order checks.
Sign up for Automatic Check Reorder so you don’t have to remember to reorder checks.
Automatic Check Reorder is a service offered by PNC that notifies you when 70% of your checks are gone. At that time, you can make changes to your check style or address. Your new checks will be mailed to you automatically.
Not sure if you’re already enrolled in Automatic Check Reorder?
- Sign in to Online Banking.
- Click on the Customer Service Tab.
- In the Manage Accounts section, click on Order Checks & Supplies.
You will see a list of your open accounts. Look in the Automatic Check Reorder column and it will state “Enabled” for the accounts that are enrolled.
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Is this your home zip code?
PNC product and feature availability varies by location. By using your zip code, we can make sure the information you see is accurate.
If your zip code above is incorrect, please enter your home zip code and select submit.
Important Legal Disclosures and Information
Low Cash Mode is only available on the Spend account of your Virtual Wallet product.
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A supported mobile device is needed to use Mobile Banking. Standard message and data rates may apply.
Virtual Wallet is a registered mark of The PNC Financial Services Group, Inc.
PNC Purchase Payback is a registered mark of The PNC Financial Services Group.
Low Cash Mode is a registered mark of The PNC Financial Services Group, Inc.
PNC SmartAccess and SmartAccess are registered trademarks of The PNC Financial Services Group, Inc.
Visa® is a registered trademark of Visa International Service Association and used under license.
Bank deposit products and services provided by PNC Bank, National Association. Member FDIC
Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.
